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Bank of India – Investor Presentation Summary
Key Operational Highlights
- Global Deposits reached ₹10,37,530 crore as of 30.09.2026, showing 8.31% QoQ growth and 21.59% YoY growth
- Global Advances stood at ₹8,55,071 crore as of 30.09.2026, showing 7.18% QoQ growth and 20.58% YoY growth
- Global Business Mix reached ₹18,92,601 crore, showing 7.80% QoQ growth and 21.13% YoY growth
- Excluding FCNR deposits and advances under RBI special scheme, Business Mix grew by 5.44% QoQ and 18.48% YoY
- Domestic CASA ratio declined to 34.16% from 39.39% YoY, with CASA amount at ₹3,07,031 crore
- Retail Term Deposits constituted 43.44% of total term deposits
- Branch network expanded to 5,611 domestic branches (5,375 as of 30.09.25) and 21 overseas branches
Key drivers of operational performance: Focus on RAM portfolio, expansion of retail lending products, and digital transformation initiatives
Segment-wise Performance
- Retail Loans portfolio grew 19% YoY to ₹1,73,862 crore, with home loans at ₹85,080 crore (17% YoY growth), vehicle loans at ₹26,349 crore (19% YoY growth), education loans at ₹4,754 crore (17% YoY growth), mortgage loans at ₹17,591 crore (33% YoY growth), and personal loans at ₹13,088 crore (1% YoY growth)
- Priority Sector advances at ₹2,63,862 crore, representing 46.24% of ANBC (against regulatory target of 40.00%)
- Agriculture advances at ₹1,10,283 crore, representing 19.32% of ANBC (against regulatory target of 18.00%)
- Small and Marginal Farmers advances at ₹79,010 crore, representing 13.84% of ANBC (against regulatory target of 10.00%)
- Weaker Section advances at ₹99,939 crore, representing 17.51% of ANBC (against regulatory target of 12.00%)
- Micro Enterprises advances at ₹52,770 crore, representing 9.25% of ANBC (against regulatory target of 7.50%)
Explanation of significant changes in segment performance: Growth driven by increased focus on retail, agriculture, and priority sector lending, with all categories exceeding regulatory requirements
Financial Highlights
Revenue: Not Specified
EBITDA: Not Specified
PAT: ₹3,202 crore for Q2 FY27 (25% YoY growth)
EPS: Not Specified
Margins: Net Interest Margin (NIM) at 2.47% for Q2 FY27 (2.41% in Q2 FY26)
YoY/QoQ comparison: Q2 FY27 Net Profit increased 25% YoY from ₹2,555 crore; HY1 FY27 Net Profit at ₹6,270 crore, up 30% YoY from ₹4,807 crore
Drivers of financial performance: 19% YoY growth in Net Interest Income to ₹7,007 crore in Q2 FY27; 25% YoY growth in Non-Interest Income to ₹2,770 crore in Q2 FY27
Comparison to market estimates: Not Specified
Key Risks: Not Specified
Geographical Revenue Split
Domestic vs Export/Regional Revenue: Overseas business contributed deposits of ₹1,37,401 crore and advances of ₹1,51,160 crore
Domestic: Deposits ₹9,00,129 crore, Advances ₹7,03,911 crore
Export: Not Specified
Regional Breakdown: Major global business centers in US (New York), London, Paris, Antwerp, Dubai, Singapore, Hong Kong, New Zealand, Tokyo across 5 continents and 15 countries
Balance Sheet Snapshot
Net Debt/Equity: Not Specified
Reserves: Not Specified
Current Assets/Liabilities: Not Specified
Working Capital/Leverage Metrics: Credit Deposit Ratio at 82.41%
Financial Health Insights: Strong capital adequacy with CRAR at 17.78% under Basel III
Capex & Cash Flow Health
Capital Expenditure: Not Specified
Free Cash Flow: Not Specified
Operating Cash Flow: Not Specified
Net Debt Movement: Not Specified
Investment Rationale: Planned capital raising of ₹7,500 crore in FY27 through Additional Tier-I bonds (₹2,500 crore) and Tier-II bonds (₹5,000 crore)
Strategic & R&D Initiatives
Investments in Innovation: 37 ML models in production across eight business domains; 215+ APIs live in production; 126 fintechs empaneled; 14 processes automated through robotic process automation
Expected impact on growth: Digital lending platform with 55 products (37 Assisted + 18 Self-serve); launched UPI-linked Rupay Credit Card under PM SVANidhi scheme; Microcredit Card for SME customers
Strategic Rationale: Expanding digital capabilities, enhancing customer experience through platforms like BOI Omni NEO, Star Sampark 2.0, and FX-Retail Platform
Industry Trends & Business Environment
Macro/Industry Trends: RBI special FCNR scheme impacting deposit growth; increasing focus on green finance with ₹14,000 crore exposure to renewable energy
Impact on Company: Green deposits garnered ₹3,000 crore in H1 FY2026-27; renewable share at 88% within green finance portfolio
Management Commentary & Growth Outlook
Strategic Outlook: Not Specified
FY Guidance: Not Specified
Market Share Targets: Not Specified
Risks and Opportunities: Forward-looking statements subject to market, business, legal risks, changes in NPA levels, technological implementation, and demand for banking products
ESG Updates
Environmental: Bank became signatory to Partnership for Carbon Accounting Financials (PCAF); all new construction projects to be developed as Green buildings; green finance exposure crossed ₹14,000 crore with 88% renewable share; rooftop solar power capacity of 826 kW installed across premises
Social: Financial inclusion initiatives through extensive branch network including 1,943 rural branches
Governance: Maintains strong domestic credit ratings of AAA/AA+ across leading rating agencies; 95% provisioning coverage against NCLT accounts
Digital Transformation Initiatives
- Digital Lending Platform with 55 products live with e-Signing & e-Documentation (DDE)
- Launch of UPI linked Rupay Credit Card for Street Vendors and Microcredit Card for SME customers
- 3-Clik Journey for credit card issuance to ETB customers
- Star Sampark 2.0 next-gen CRM under development
- Overseas initiatives: Single Euro Payment Area (SEPA) live for Paris branch; M-PESA services in Kenya Centre; BOINZ Freedom mobile banking app in New Zealand
- Centralised V-CIP Centre operational for seamless account opening
- Banking Connect interoperable payment system
Asset Quality Details
- Gross NPA ratio improved to 1.60% from 2.54% YoY
- Net NPA at ₹3,557 crore (0.42% of advances)
- Fresh slippages of ₹1,160 crore in Q2 FY27
- Cash recovery of ₹1,635 crore and upgradation of ₹135 crore in Q2 FY27
- SMA portfolio reduced by ₹3,612 crore YoY, with SMA ratio declining from 0.89% to 0.30%
- Restructured portfolio at 0.41% of Gross Advances (₹3,550 crore)
- NCLT cases totaling ₹30,948 crore with 95% provisioning coverage
Capital Adequacy
- CET-1 Capital at ₹81,055 crore (15.49% including CCB)
- Tier I Capital at ₹82,555 crore (15.78%)
- Tier II Capital at ₹10,471 crore (2.00%)
- Total Capital (CRAR) at ₹93,026 crore (17.78%)
- Risk Weighted Assets at ₹5,23,230 crore
Human Resources
- Total employees: 52,291 (15,861 female, 36,430 male)
- Business per employee: ₹3,503 lakhs (improved from ₹2,955 lakhs as on 30.09.25)
- Profit per employee: ₹24.41 lakhs (improved from ₹19.94 lakhs as on 30.09.25)
- Officer strength: 29,560; Award Staff: 22,731